OppFi Inc (OPFI)vsPayPal Holdings Inc (PYPL)
OPFI
OppFi Inc
$7.91
-0.63%
FINANCIAL SERVICES · Cap: $687.45M
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 9605% more annual revenue ($33.17B vs $341.81M). PYPL leads profitability with a 15.8% profit margin vs 7.7%. OPFI trades at a lower P/E of 8.0x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
OPFI
Buy62
out of 100
Grade: C+
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$46.33
Current Price
$7.91
$38.42 discount
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 54 in profit
Strong operational efficiency at 40.6%
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
2.7% earnings growth
Smaller company, higher risk/reward
7.7% margin — thin
Elevated debt levels
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : OPFI
The primary concerns for OPFI are EPS Growth, Market Cap, Profit Margin. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
OPFI carries more volatility with a beta of 1.76 — expect wider price swings.
OPFI is growing revenue faster at 9.2% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (78/100 vs 62/100), backed by strong 15.8% margins. OPFI offers better value entry with a 81.0% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a leading financial technology company focused on providing consumer lending solutions tailored for the underbanked demographic. Utilizing its innovative proprietary platform, the company enhances financial accessibility through fair and transparent loan offerings, supported by advanced data analytics and machine learning for precise credit assessments. OppFi's commitment to responsible lending and continuous innovation in the fintech landscape positions it favorably for growth, enabling it to seize emerging market opportunities while promoting the financial wellness of its customers. As a publicly traded entity, OppFi is dedicated to advancing financial empowerment and accessibility for those historically underserved by traditional banking systems.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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